Decode your Indian offer letter in seconds. Calculate exact monthly cash in your bank account after EPF, Gratuity, Professional Tax, and revised 2026 New Tax Regime deductions.
Enter your annual Cost to Company (CTC) or select a quick benchmark.
| Component | Monthly (₹) | Annual (₹) |
|---|---|---|
| A. Gross Fixed Earnings (Monthly Cashpool) | ||
| Basic Salary | ₹33,333 | ₹4,00,000 |
| House Rent Allowance (HRA) | ₹16,667 | ₹2,00,000 |
| Special & Other Allowances | ₹27,729 | ₹3,32,752 |
| Gross Fixed Salary | ₹77,729 | ₹9,32,752 |
| B. Monthly Deductions from Salary | ||
| Employee EPF Contribution (12%) | - ₹4,000 | - ₹48,000 |
| Professional Tax (PT) | - ₹200 | - ₹2,400 |
| Income Tax TDS (New Regime) | - ₹2,188 | - ₹26,252 |
| Net In-Hand (Take-Home) | ₹71,341 | ₹8,56,100 |
| C. Employer Benefits inside CTC (Not in Monthly Cash) | ||
| Employer EPF Contribution | ₹4,000 | ₹48,000 |
| Gratuity Accrual (Statutory 4.81%) | ₹1,604 | ₹19,248 |
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Why your actual bank deposit is often 25% lower than the bold CTC number printed on the first page.
Many IT service firms and startups offer "12 LPA", where ₹3,00,000 is an annual performance bonus. If your project misses its billing target or company EBITDA drops, you may only receive 40%–60% of that variable amount.
Employers legally owe you gratuity under the Payment of Gratuity Act only after completing 5 continuous years. Yet nearly every Indian employer includes the 4.81% annual gratuity provision in your CTC from Day 1.
A ₹1,00,000 joining bonus is attractive, but TDS income tax is deducted upfront (you get ~₹70,000–₹80,000). If you resign before 12 months, the agreement typically demands you repay the full gross ₹1,00,000 out of your own pocket.
A long notice period makes you unappealing to product companies and startups that need immediate 15–30 day joiners. It locks you in and weakens your negotiation leverage during your next job search.
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Monthly in-hand salary is calculated by subtracting non-cash employer contributions (Employer PF, Gratuity, Insurance), annual variable bonuses, and statutory payroll deductions (Employee PF, Professional Tax, and Income Tax / TDS) from your total CTC, then dividing the net fixed earnings by 12 months.
Under the revised New Tax Regime (Section 115BAC), with a standard deduction of ₹75,000 and Section 87A rebate for taxable income up to ₹7,00,000, salaried professionals earning up to ₹7,75,000 gross annual income pay ₹0 income tax.
Gratuity is a statutory provision (calculated as 15/26 days of basic salary per year, approximately 4.81% of basic pay) payable only after 5 years of continuous service under the Payment of Gratuity Act 1972. Employers include it in CTC to account for their long-term cost, but it is not paid out in monthly cash.
The Employees' Provident Fund Organization (EPFO) sets a statutory wage ceiling of ₹15,000/month basic pay. Companies can choose to cap PF contributions at 12% of ₹15,000 (₹1,800/month each for employer and employee), which increases your monthly take-home pay compared to deducting 12% on your entire basic pay.
Standard job switch hikes in India range from 25% to 40% on fixed CTC for early-to-mid career professionals (2–6 years experience). Niche tech stacks (AI/ML, DevOps, Cloud) command 35%–60%, while executive or senior engineering transitions typically average 20%–30% with higher equity/ESOP allocations.
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